Rayan

AlRayan Bank

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (QAR)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Assets
Cash & Equivalents	3.38B	4.19B	3.17B	2.89B	3.70B
Total Assets	174.96B	181.26B	176.44B	176.34B	169.30B
Investment Securities	47.71B	46.26B	46.59B	48.52B	42.29B
Trading Assets	302.61M	298.46M	312.08M	285.30M	280.13M
Gross Loans	127.46B	134.06B	129.26B	128.41B	122.14B
Net Loans	110.31B	116.35B	111.68B	110.46B	109.71B
Allowance for Loan Losses	-5.16B	-5.01B	-4.89B	-4.69B	-4.49B
Liabilities
Total Deposits	8.41B	8.30B	8.72B	9.06B	8.73B
Non-Interest-Bearing Deposits	8.41B	8.30B	8.72B	9.06B	8.73B
Total Debt	29.34B	39.15B	32.37B	35.38B	27.25B
Total Liabilities	149.86B	155.26B	150.60B	150.98B	144.45B
Equity & Ownership
Total Equity	25.11B	26.00B	25.84B	25.36B	24.85B
Shares Outstanding	9,300,000,000	9,300,000,000	9,300,000,000	9,300,000,000	9,300,000,000
Cash & Assets
Total Assets	174.96B	181.26B	176.44B	176.34B	169.30B
Cash & Equivalents	3.38B	4.19B	3.17B	2.89B	3.70B
Net Cash (Debt)	-25.65B	-34.66B	-28.88B	-32.21B	-23.27B
Net Cash Per Share	-2.76	-3.73	-3.13	-3.50	-2.50
Other Receivables	1.15B	1.16B	1.06B	0.80B	0.20B
Restricted Cash	4.29B	5.35B	5.32B	5.07B	5.14B
Property, Plant & Equipment	1.05B	1.06B	1.05B	1.05B	1.02B
Goodwill	—	0.88B	—	—	—
Other Intangible Assets	1.31B	0.46B	1.37B	1.39B	1.42B
Other Current Assets	—	41.74M	—	—	—
Other Long-Term Assets	3.76B	3.35B	4.16B	4.24B	4.00B
Long-Term Deferred Tax Assets	—	8.37M	—	—	—
Long-Term Leases	—	4.71M	—	—	—
Current Portion of Leases	—	5.95M	—	—	—
Loans & Investments
Gross Loans	127.46B	134.06B	129.26B	128.41B	122.14B
Net Loans	110.31B	116.35B	111.68B	110.46B	109.71B
Allowance for Loan Losses	-5.16B	-5.01B	-4.89B	-4.69B	-4.49B
Investment Securities	47.71B	46.26B	46.59B	48.52B	42.29B
Trading Asset Securities	302.61M	298.46M	312.08M	285.30M	280.13M
Total Investments	48.01B	46.56B	46.91B	48.80B	42.57B
Other Adjustments to Gross Loans	-12.00B	-12.70B	-12.69B	-13.26B	-7.94B
Liabilities & Obligations
Total Liabilities	149.86B	155.26B	150.60B	150.98B	144.45B
Total Liabilities & Equity	174.96B	181.26B	176.44B	176.34B	169.30B
Accrued Expenses	—	242.23M	—	—	—
Accrued Interest Payable	55.70M	48.75M	72.09M	63.54M	51.25M
Accrued Interest Receivable	1.70B	1.85B	1.73B	1.64B	1.55B
Long-Term Unearned Revenue	—	110.73M	—	—	—
Other Current Liabilities	—	1.65B	—	—	—
Other Long-Term Liabilities	112.06B	105.67B	109.44B	106.47B	108.42B
Pension & Post-Retirement Benefits	—	77.55M	—	—	—
Debt & Funding
Total Debt	29.34B	39.15B	32.37B	35.38B	27.25B
Current Portion of Long-Term Debt	8.25B	12.09B	12.29B	16.66B	12.41B
Long-Term Debt	10.01B	9.13B	9.04B	12.19B	8.68B
Short-Term Borrowings	11.08B	17.92B	11.04B	6.53B	6.16B
Total Deposits	8.41B	8.30B	8.72B	9.06B	8.73B
Non-Interest Bearing Deposits	8.41B	8.30B	8.72B	9.06B	8.73B
Equity & Book Value
Shareholders' Equity	25.11B	26.00B	25.84B	25.36B	24.85B
Total Common Equity	24.81B	25.71B	25.55B	25.07B	24.58B
Common Stock	9.30B	9.30B	9.30B	9.30B	9.30B
Retained Earnings	14.42B	15.28B	15.26B	14.76B	14.35B
Comprehensive Income & Other	1.09B	1.13B	1.00B	1.01B	0.94B
Minority Interest	294.38M	292.78M	287.25M	287.38M	266.62M
Book Value Per Share	2.67	2.76	2.75	2.70	2.64
Tangible Book Value	23.50B	24.37B	24.19B	23.68B	23.16B
Tangible Book Value Per Share	2.53	2.62	2.60	2.55	2.49
Filing Date Shares Outstanding	9.30B	9.30B	9.30B	9.30B	9.30B
Total Common Shares Outstanding	9.30B	9.30B	9.30B	9.30B	9.30B

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (QAR)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Assets
Cash & Equivalents	3.38B	4.19B	3.17B	2.89B	3.70B
Total Assets	174.96B	181.26B	176.44B	176.34B	169.30B
Investment Securities	47.71B	46.26B	46.59B	48.52B	42.29B
Trading Assets	302.61M	298.46M	312.08M	285.30M	280.13M
Gross Loans	127.46B	134.06B	129.26B	128.41B	122.14B
Net Loans	110.31B	116.35B	111.68B	110.46B	109.71B
Allowance for Loan Losses	-5.16B	-5.01B	-4.89B	-4.69B	-4.49B
Liabilities
Total Deposits	8.41B	8.30B	8.72B	9.06B	8.73B
Non-Interest-Bearing Deposits	8.41B	8.30B	8.72B	9.06B	8.73B
Total Debt	29.34B	39.15B	32.37B	35.38B	27.25B
Total Liabilities	149.86B	155.26B	150.60B	150.98B	144.45B
Equity & Ownership
Total Equity	25.11B	26.00B	25.84B	25.36B	24.85B
Shares Outstanding	9,300,000,000	9,300,000,000	9,300,000,000	9,300,000,000	9,300,000,000
Cash & Assets
Total Assets	174.96B	181.26B	176.44B	176.34B	169.30B
Cash & Equivalents	3.38B	4.19B	3.17B	2.89B	3.70B
Net Cash (Debt)	-25.65B	-34.66B	-28.88B	-32.21B	-23.27B
Net Cash Per Share	-2.76	-3.73	-3.13	-3.50	-2.50
Other Receivables	1.15B	1.16B	1.06B	0.80B	0.20B
Restricted Cash	4.29B	5.35B	5.32B	5.07B	5.14B
Property, Plant & Equipment	1.05B	1.06B	1.05B	1.05B	1.02B
Goodwill	—	0.88B	—	—	—
Other Intangible Assets	1.31B	0.46B	1.37B	1.39B	1.42B
Other Current Assets	—	41.74M	—	—	—
Other Long-Term Assets	3.76B	3.35B	4.16B	4.24B	4.00B
Long-Term Deferred Tax Assets	—	8.37M	—	—	—
Long-Term Leases	—	4.71M	—	—	—
Current Portion of Leases	—	5.95M	—	—	—
Loans & Investments
Gross Loans	127.46B	134.06B	129.26B	128.41B	122.14B
Net Loans	110.31B	116.35B	111.68B	110.46B	109.71B
Allowance for Loan Losses	-5.16B	-5.01B	-4.89B	-4.69B	-4.49B
Investment Securities	47.71B	46.26B	46.59B	48.52B	42.29B
Trading Asset Securities	302.61M	298.46M	312.08M	285.30M	280.13M
Total Investments	48.01B	46.56B	46.91B	48.80B	42.57B
Other Adjustments to Gross Loans	-12.00B	-12.70B	-12.69B	-13.26B	-7.94B
Liabilities & Obligations
Total Liabilities	149.86B	155.26B	150.60B	150.98B	144.45B
Total Liabilities & Equity	174.96B	181.26B	176.44B	176.34B	169.30B
Accrued Expenses	—	242.23M	—	—	—
Accrued Interest Payable	55.70M	48.75M	72.09M	63.54M	51.25M
Accrued Interest Receivable	1.70B	1.85B	1.73B	1.64B	1.55B
Long-Term Unearned Revenue	—	110.73M	—	—	—
Other Current Liabilities	—	1.65B	—	—	—
Other Long-Term Liabilities	112.06B	105.67B	109.44B	106.47B	108.42B
Pension & Post-Retirement Benefits	—	77.55M	—	—	—
Debt & Funding
Total Debt	29.34B	39.15B	32.37B	35.38B	27.25B
Current Portion of Long-Term Debt	8.25B	12.09B	12.29B	16.66B	12.41B
Long-Term Debt	10.01B	9.13B	9.04B	12.19B	8.68B
Short-Term Borrowings	11.08B	17.92B	11.04B	6.53B	6.16B
Total Deposits	8.41B	8.30B	8.72B	9.06B	8.73B
Non-Interest Bearing Deposits	8.41B	8.30B	8.72B	9.06B	8.73B
Equity & Book Value
Shareholders' Equity	25.11B	26.00B	25.84B	25.36B	24.85B
Total Common Equity	24.81B	25.71B	25.55B	25.07B	24.58B
Common Stock	9.30B	9.30B	9.30B	9.30B	9.30B
Retained Earnings	14.42B	15.28B	15.26B	14.76B	14.35B
Comprehensive Income & Other	1.09B	1.13B	1.00B	1.01B	0.94B
Minority Interest	294.38M	292.78M	287.25M	287.38M	266.62M
Book Value Per Share	2.67	2.76	2.75	2.70	2.64
Tangible Book Value	23.50B	24.37B	24.19B	23.68B	23.16B
Tangible Book Value Per Share	2.53	2.62	2.60	2.55	2.49
Filing Date Shares Outstanding	9.30B	9.30B	9.30B	9.30B	9.30B
Total Common Shares Outstanding	9.30B	9.30B	9.30B	9.30B	9.30B